Best pet insurance plans of 2020 - PropertyCasualty360

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10. FIGO

”Has a 100% reimbursement option”

MONEY’s analysis: “This company has been around less than 10 years but has been growing in market share for two reasons: easy online access and robust coverage. We’ll start with the coverage, which could reach 100% reimbursement of covered procedures. Naturally, this level of coverage would require a higher premium.”
(Photo: FIGO)

9. Pets Best

”Coverage options for older animals”

MONEY’s analysis: “Most pet insurance plans won’t write a new policy for an older pet — 12 is a common cut-off age for dogs and cats. Pets Best does not have a maximum age limit, so you could still get coverage on your aging pet. But, like all insurers, Pets Best won’t cover preexisting conditions.”
(Photo: Pets Best)

8. PetAssure

”A non-insurance option for exotic animal owners”

MONEY’s analysis: “PetAssure isn’t really an insurer; it’s a cost-sharing discount plan that could help save you money on unexpected pet care — especially if you have a thing for exotic animals. PetAssure covers birds and fish, amphibians and reptiles, large cats, monkeys, and even kangaroos.”
(Photo: PetAssure)

7. PetFirst

”For pet parents who want preventative care coverage”

MONEY’s analysis: “PetFirst Pet Insurance excels with routine care coverage because it defines preventive care so broadly. You could buy a plan to cover your pet’s vaccines, dental care, parasite prevention, spaying and neutering, and even behavioral training.”
(Photo: PetFirst)

6. ASPCA Pet Health Insurance

”Good option for multiple pets”

MONEY’s analysis: “This policy stands out because of its 10% discount for multiple pets and because one policy can cover all your pets. There’s no network — you could visit any vet in the U.S. or Canada.”
(Photo: ASPCA)

5. PetPlan

”Best for early coverage”

MONEY’s analysis: “PetPlan insures pets beginning at six weeks old for puppies and kittens. When you buy a policy this early, you won’t have to worry much at all about preexisting condition exclusions.”
(Photo: PetPlan)

4. Embrace Pet Insurance

”Best for pet dental care”

MONEY’s analysis: “Embrace provides high coverage for dental illnesses: $1,000 per policy year in most states. The company covers extractions, root canals, crowns, gingivitis, and broken, chipped, or fractured teeth.”
(Photo: Embrace)

3. Nationwide

”Coverage for exotic animals”

MONEY’s analysis: “Nationwide is the only pet insurance company of its size that offers coverage for exotic animals. Nationwide can cover most birds as well as mice, lizards, goats, guinea pigs, turtles, snakes, ferrets, and many more.”
(Photo: Nationwide)

2. Trupanion

”One simple policy”

MONEY’s analysis: “Trupanion stands out from the field by offering just one policy, for both dogs and cats, regardless of the animal’s breed, age, or gender.”
(Photo: Trupanion)

1. Healthy Paws

”Best for value”

MONEY’s analysis: “Healthy Paws Pet Insurance offers dog insurance and cat insurance This company stands out because it does not cap reimbursements. Once you pay your deductible, there is no limit on the amount your policy can reimburse you either monthly, annually, or per incident.”
(Photo: Healthy Paws)

A study from U.K.-based People’s Dispensary for Sick Animals revealed that pet parents dramatically underestimate the costs of owning a pet over a lifetime. The majority of pet owners surveyed said they believed lifetime expenses wouldn’t top $6,445 — a fraction of actual costs. According to the study, the approximate lifetime cost of owning a dog ranges from $27,074 to $42,545, and $21,917 to $30,942 for cats. The study accounted for everything from food and grooming to health and veterinarian expenses.

Pet insurance, however, can offer owners some protection when it comes to veterinarian bills for illnesses and accidents — and it can also come in handy during times of uncertainty.

MONEY recently evaluated pet insurance plans in the U.S. to find the best ones available. In their assessment, MONEY considered pricing, coverage options and additional benefits and spoke to veterinary doctors to gain an understanding of how insurance affects pets and owners.

“Most leading pet insurance companies give pet owners comprehensive coverage at an affordable monthly premium. The differences lie in the details and fine print,” writes Noel Dávila for MONEY. ”Shop around, do the research, and then make a well-informed decision about the insurance that is best suited to care for your pet and your pocket.”

Look through the slideshow above for MONEY’s picks for the best pet insurance of 2020, as well as the reasons why each plan stands out.

Pet preparedness

June is Pet Preparedness Month and highlights why pet parents should consider insurance as an extra layer of security during a time of crisis.

Ready.gov shares few tips on how pet parents can build an emergency kit to keep pets happy, safe, and comfortable during a natural disaster. Kits should include essential items such as:

At least a three-day supply of food and water
Medicines
Medical records, proof of vaccinations, registration and adoption documents, and insurance information
First aid kit (cotton bandage rolls, bandage tape and scissors, antibiotic ointment, flea and tick prevention, latex gloves, isopropyl alcohol, saline solution, and a pet first aid reference book)
Collar or harness with ID tag, rabies tag, and a leash
Crate or pet carrier
Sanitation needs (litter box and litter, newspapers, paper towels, plastic trash bags, and household chlorine bleach)
A picture of the pet and pet parent together to prove ownership
Familiar items, such as treats, toys, and bedding

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